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			<h1>RFP and Plan Selection</h1>
<p>If deemed necessary, The Todd Organization will distribute a Request for Proposal to carriers in the Individual Disability Insurance market and examine the responses received.</p>
<p>The carrier selection process should weigh several factors including:</p>
<ul><li>Financial Strength</li>
    <li>Strength of contract (policy)</li>
    <li>Availability and amount of Guaranteed Standard Issue (GSI)</li>
    <li>Issue and Participation limits</li>
    <li>Administrative capabilities</li>
    <li>Existing relationship with carrier in other lines of business</li>
</ul><p>The Todd Organization will review these responses with you, so that you may determine which carrier best fits the benefit philosophy of the company and the plan design desired.</p>
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